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Support Topics

Digital Wallet

Popular Questions

Devices vary, but typically you just need to hold the phone up to the contactless pay device. Your phone will prompt you to unlock your phone (either with password, personal PIN, or biometric fingerprint).

When you receive a replacement Unitus Visa card, you may need to update your Digital Wallet with your new card information.

Please call us immediately at 1.800.452.0900, opt. 1, during regular business hours Monday – Friday 7:25 AM – 6:05 PM or Saturday 7:30 AM – 4:00 PM. (You may also use our automated system to block your card by pressing opt. 5). We will close your card so that no more purchases can be made.

Yes, you do not need to pay to use the technology; however, like all transactions, merchants may still charge a credit card processing fee.

Contactless payments are transactions that use chip-based technology and require no physical connection between the payment device (a card or mobile device) and the physical merchant terminal.

There are many digital or mobile wallets to choose from. When you’re comparing features, be sure to check which mobile device is required and which merchants accept the wallet. Most allow you to use your Unitus Community Credit Union card as your default to easily make payments.

Contacted by a merchant, or paid during a time that a major retailer announced a security breach? Peace of mind is a phone call away – you can always check with Unitus to find out which method you used to pay, digital or traditional. Please call 1.800.452.0900, opt. 1, Monday through Friday from 7:30 AM – 5:30 PM. Rest assured, when you pay using digital payments, your card info is not stored or transferred to the merchant so your Unitus card data is protected. If you want to update your card or request a new device code, the process is simple – in fact, it’s easier than if you had paid the traditional way. Just delete your card from your payment app. Then, add the card back to the payment app as if you were doing it for the first time. The digital code associated with your card has been deleted and a new one assigned.

No, it’s simply a convenient option for quick, easy and secure payments. Use it at a number of merchants and for many in-app purchases.

Please call us immediately at 1.800.452.0900, opt. 1, during regular business hours, (Monday – Friday 7:25 AM – 6:05 PM or Saturday 7:30 AM – 4:00 PM) (you may also use our automated system to block your card by pressing opt. 5). We will close your card so that no more purchases can be made. You should also remove the lost or stolen card from your Wallet or the Apple Watch app using the “Remove Card” option. When you receive your replacement card, you will need to add the new card to Apple Pay before making any Apple Pay purchases.

No. You cannot directly import cards which have been enrolled in Samsung Pay. Adding a card to Samsung Pay on your Samsung phone doesn’t automatically add the card to your Gear smartwatch. Conversely, adding a card to your smartwatch doesn’t automatically add the card to your phone. However, the same card can be added separately to both your Samsung phone and the Gear smartwatch. Or, you can add a card to your smartwatch and not add it to your phone.

With Samsung Pay, either NFC or MST technology can be used to make contactless transactions. The key difference is that NFC requires an NFC-enabled card reader (newer technology available at fewer U.S. retailers) whereas MST works with many more types of card readers. Because Samsung Pay incorporates both NFC and MST technologies, it works almost anywhere you can swipe or tap your card.

Your Unitus Community Credit Union debit and credit cards are provided with the built-in security of Unitus Community Credit Union’s fraud monitoring and Visa’s Zero Liability Policy protection. If your card or its number is ever lost or stolen, you’re not responsible for unauthorized transactions when you report them promptly.

You can add your card in a few easy steps. The process for adding a card is a little different between your iPhone, iPad, Apple Watch and MacBook Pro with Touch ID.

iPhone*:

Open Wallet and tap the plus sign.

Position your card in the camera frame to automatically enter your card information. You can edit the information before saving should it capture incorrectly. Enter the security code, which can be found on the back of your card.

iPad*:

Go into Settings and tap Wallet & Apple Pay.

Tap Add Credit or Debit Card.

Position your card in the camera frame to automatically enter your card information. You can edit the information before saving should it capture incorrectly. Enter the security code, which can be found on the back of your card.

If the purchase was made using your Samsung phone, you can view your transaction history in the Samsung Pay app. If the purchase was made using your Gear smartwatch, you can view your transaction history in the Samsung Gear app. Additionally, digital wallet transactions made with your Unitus Visa credit or debit cards will appear on your Unitus account history screen (online and mobile) and account statement.

Please call Unitus Community Credit Union at 1.800.452.0900, opt. 1, Monday – Friday 7:30 AM – 5:30 PM and indicate that you use your card(s) with Samsung Pay. We will disable your card for use with Samsung Pay. Please call 1.888.241.7054 opt. 3 after hours. We also recommend that you report your lost smartwatch through the Samsung Gear app on your phone.

Your Unitus Community Credit Union debit card and credit card automatically come with the built-in security of 24×7 fraud monitoring and Visa’s Zero Liability Policy protection. If your card or its number is ever lost or stolen, you’re not responsible for unauthorized transactions when you report them promptly.

Add your Unitus Community Credit Union card to Google Pay on your Android device in a few easy steps:

In the Google Pay app on your device, touch the + sign to add a credit or debit card to pay using your phone.

Position your card in the camera frame to automatically enter your card information. Enter the security code found on the back of your card and provide additional information as required.

Accept the terms of service and set your screen lock. (Activating Device Administrator is part of the Google Pay setup process.)

If requested, follow any additional steps to verify your card.

The safety and security of your account information is of the highest importance.

As a security measure, you may receive a “verification required” message when adding your card to Google Pay. Once verified, an on-screen message will appear stating that the card is ready for use. This verification is part of our multi-layered approach to security in payments.

Additionally, when we review mobile wallet providers we look for payment safety, quality of service, and ease of use for our members. When you make payments with Google Pay and your Unitus Community Credit Union card:

Your full card number is not stored on your mobile device.

All transactions are monitored 24×7 by Unitus Community Credit Unions risk and fraud detection systems.

Purchases made using Google Pay are protected by Visa’s Zero Liability Policy, so you won’t be held responsible for promptly reported unauthorized transactions.

Apple Pay will work with most Unitus consumer and small business Visa® credit cards and debit cards.

For security reasons, we may need you to provide additional verification to add your Unitus card to Apple Pay. If necessary, Wallet or the Apple Watch app will provide instructions. Upon verification, you should receive a Wallet or Apple Watch app notification that your card is ready for Apple Pay. If you haven’t received a notification after an hour, please call us at the toll-free number on the back of your card.

Apple Pay is available on your Apple Pay enabled iPhone, iPad, and Apple Watch1 in participating merchant apps, and you can use Apple Pay with your iPhone and Apple Watch1 at more than a million stores and restaurants whose payment terminals are set up to accept contactless payments. You can also make purchases from participating online merchants via the Safari browser.

If you make an Apple Pay purchase with your Unitus card, the merchant may request authorization for an initial amount and send us the actual transaction amount later for payment. The initial authorized amount appears in your Wallet, but the actual transaction amount is deducted from your account.

This happens frequently in places where:

You can add a tip (restaurants, salons)

There can be a significant difference between the amount that’s authorized initially and the actual transaction amount (hotels, car rental agencies)

For most card purchases, we receive the payment request, including the actual transaction amount, within 3 business days of the transaction.

Apple, the Apple logo, iPhone, and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay, Touch ID, and Apple Watch are trademarks of Apple Inc.

If you make a Samsung Pay purchase with your card, the merchant may request authorization for an initial amount and send us the actual transaction amount later for payment. The initial authorized amount appears in your Samsung Pay transaction history, but the actual transaction amount is deducted from your account.

This happens frequently in places where:

You can add a tip (restaurants, salons)

There can be a significant difference between the amount that’s authorized initially and the actual transaction amount (hotels, car rental agencies)

For most card purchases, we receive the payment request, including the actual transaction amount, within 3 business days of the transaction.

Keep track of your transactions and ensure you have sufficient funds in your accounts to cover the final payment.

No. Apple Pay is provided as a complementary service to Unitus cardholders.

Near Field Communication (NFC): NFC is a technology that enables devices in close proximity to communicate. Payment transactions using NFC technology require a contactless terminal and an NFC-enabled mobile device. NFC (Near Field Communication) wirelessly transmits data using radio waves. Samsung Pay uses NFC to wirelessly transmit payment information to payment terminals with NFC readers that have been activated for use.

You can use Google Pay with your NFC-enabled device running Android OS 4.4 (KitKat) or higher at over one million locations whose payment terminals are set up to accept Google Pay and in participating Android apps. View the list of merchants and apps at the Google Pay site.

The safety and security of your account information is of the highest importance.

As a security measure, you may receive a “verification required” message when adding your card to Apple Pay. Once verified, an on-screen message will appear stating that the card is ready for use. This verification is part of our multi-layered approach to security in payments.

Additionally, when we review mobile wallet providers we look for payment safety, quality of service, and ease of use for our members. When you make payments with Apple Pay and your Unitus card:

Your full card number is not shown to the merchant or to Apple Pay.

All transactions are monitored by Unitus’ 24×7 risk and fraud detection systems.

Purchases made using Apple Pay are protected by Visa’s Zero Liability policies, so you won’t be held responsible for promptly reported unauthorized transactions.

The Samsung Pay app controls the Samsung Pay service on the phone, which includes which cards are added, transactional history, etc. The Samsung Gear app is a separate app on the phone that enables members to manage their Gear smartwatch. It controls the Samsung Pay service on the Gear smartwatch, which also includes what cards are added, transactional history, etc.

Samsung Pay will work with most Unitus consumer and small business Visa® credit cards and debit cards.

Rest assured, your Unitus debit card and credit card automatically come with the built-in security of our 24×7 fraud monitoring and Visa’s Zero Liability protection. If your card, or its number, is ever lost or stolen, you’re not responsible for unauthorized transactions when you report them promptly.

For security reasons, we may need you to provide additional verification to add your Unitus Community Credit Union card to Google Pay. If necessary, the Google Pay app will tell you how to verify your card.

You can use Google Pay with your NFC-enabled device running Android OS 4.4 (KitKat) or higher. Go to the Google Pay site for the most current device information.

To return something you bought in-store with Google Pay you will need your store receipt, just like you would for any other purchase. If the merchant asks you to swipe your card, you can credit the card you used to pay within the Google Pay app by selecting the same card and holding your device to the contactless payment terminal.

Depending on the return and refund policies of the store, it may take several days for the return transaction to appear on your Unitus Visa card statement. We recommend keeping your receipt until the return posts to your account.

You can use Apple Pay on eligible iPhones, iPads, Apple Watches, MacBook Pro with Touch ID and Macs (Safari browser only) using the latest operating systems. Please visit Apple Pay at for the most current listing of compatible devices and operating system requirements.

If your Android device is ever lost or stolen you can use Android Device Administrator to lock it remotely, create a new password, and wipe your personal information from it.

In addition to notifying your mobile carrier, please call Unitus promptly at 1.800.452.0900, opt. 1, Monday – Friday 7:30 AM – 6:00 PM and mention that you added your card to Google Pay so we can disable your card for use with Google Pay. Please call 1.888.241.7054 opt. 3 after hours. If you locate your device, you will need to add your card back to Google Pay before making any Google Pay purchases.

No, an active internet connection is not required to make in-store purchases, but your device should connect to the internet at least once per day to ensure that Samsung Pay stays up to date and remains active. Samsung Pay does require an active internet connection to activate the app or add a new card.

No, but you will need to connect every so often to refresh the app. This will help ensure Google Pay is ready to pay when you are.

Magnetic Secure Transmission (MST): Is a groundbreaking technology for sending data using magnetic waves or signals to the same card reader retailers have been using for years for swiped transactions. It replicates a card swipe by wirelessly transmitting magnetic waves to a standard card reader, enabling most card readers to receive mobile payments, except gas station pumps.

Samsung Pay allows you to use the Galaxy S6, S6 active, S6 edge, S6 edge+ and Note 5 to make in-store mobile payments through the use of proprietary built-in technology. It spans beyond locations where merchants accept tap and pay because the technology works on new card readers as well as most of those that have been in place for years. Please visit Samsung Pay for the most current features and benefits.

Yes, you can use multiple cards with Google Pay. To ensure you’re using your Unitus Community Credit Union card for everyday use, be sure to set it as your default payment card in the Google Pay app. You can easily switch between cards whenever you make a purchase.

Once you’re in the Google Pay app, you can set your default card as follows:

From the home screen, touch your Unitus Community Credit Union card and swipe up to move it to the default position.

From your Unitus Community Credit Union card details, tap the instruction to set a default card.

Start by either swiping-up from the home button or opening the Samsung Pay app from your home screen. Next, select the card you want to pay with. Then, verify using your fingerprint and hover your device about ½ inch over the card reader where you’d usually swipe or tap your physical card to complete the transaction. If you prefer, you can set up Samsung Pay to use a Personal identification Number (PIN) instead of your fingerprint for verification.

For best results, hover your device about one-half inch over the card reader above where you’d usually swipe or tap a physical card. If the transaction doesn’t process, move your device slowly across the terminal.

Most transactions made through Samsung Pay are viewable shortly after processing, for one month from the time of purchase. Simply open the app and tap on a card to see the last 10 Samsung Pay transactions made with that card. Additionally, a push notification with transaction details will be sent to your device after each Samsung Pay purchase. Note: Push notifications require an active internet connection.

Yes, you can use up to 10 cards with Samsung Pay. You can easily switch between cards whenever you make a purchase.

To return something you bought in-store with Apple Pay you will need your store receipt, just like you would for any other purchase. If the merchant asks you to swipe your card, you can credit the card you used to pay within the Apple Pay app by selecting the same card and holding your device to the contactless payment terminal.

Depending on the return and refund policies of the store, it may take several days for the return transaction to appear on your Unitus Visa card statement. We recommend keeping your receipt until the return posts to your account.

If your device is lost or stolen, you can use Samsung’s Find My Mobile service to try to find it. We recommend remotely disabling the cards from Samsung Pay.

We also recommend notifying your mobile carrier and calling Unitus Community Credit Union at 1.800.452.0900, opt. 1, Monday – Friday 7:30 AM – 5:30 PM. Mention that you added your card to Samsung Pay so we can disable your card for use with Samsung Pay. Please call 1.888.241.7054 opt. 3 after hours. If you locate your device, you will need to add your card back to Samsung Pay before making any Samsung Pay purchases.

Open the Samsung Gear app on your phone.

Tap Samsung Pay.

Tap Add card.

Take a picture of the card, or manually enter the card number, cardholder name, expiration date, CVC/CVV code and zip code.

If requested, follow any additional steps to activate and verify your card. Samsung Pay requires that Gear users activate a security PIN to use the service. If you do not already have a PIN, you will be asked to create one.

If you make an Google Pay purchase with your card, the merchant may request authorization for an initial amount and send us the actual transaction amount later for payment. The initial authorized amount appears in your Google Pay transaction history, but the actual transaction amount is deducted from your account.

This happens frequently in places where:

You can add a tip (restaurants, salons)

There can be a significant difference between the amount that’s authorized initially and the actual transaction amount (hotels, car rental agencies)

For most card purchases, we receive the payment request, including the actual transaction amount, within 3 business days of the transaction.

Google, Google Pay, and the Google Logo are trademarks of Google Inc.

The safety and security of your account information is of the highest importance.

As a security measure, you may receive a “verification required” message when adding your card to Samsung Pay. Once verified, an on-screen message will appear stating that the card is ready for use. This verification is part of our multi-layered approach to security in payments.

Additionally, when we review mobile wallet providers we look for payment safety, quality of service, and ease of use for our members. When you make payments with Samsung Pay and your Unitus Community Credit Union card(s):

Your full card number is not stored on your mobile device.

All transactions are monitored 24×7 by Unitus Community Credit Union’s best of class risk and fraud detection systems.

Purchases made using Samsung Pay are covered by Visa’s Zero Liability protection, so you won’t be held responsible for promptly reported unauthorized transactions.

In addition to notifying your mobile carrier, please call Unitus promptly at 1.800.452.0900, opt. 1, Monday through Friday 7:30 AM – 5:30 PM. After hours please call 1.888.241.7054 opt. 3. Mention that you added your Unitus card to Apple Pay so that we can disable your card for use with Apple Pay. If you locate your device, you will need to add your card back to Apple Pay before making any Apple Pay purchases. Disabling your device will generally have no impact to your Unitus card unless both were lost or compromised.

If you lost your Apple Watch it is also recommended that you visit iCloud to remove your card from your Apple Watch.

Apple Pay is a digital payments solution that not only supports using your Unitus cards for mobile “tap and go” payments using NFC enabled iPhones and iPads but also facilitates secure digital payments through in app purchases on participating websites using Safari on your Mac computers.

Apple Pay is accepted in grocery stores, boutiques, restaurants, hotels, and so many places you already enjoy.

Samsung Pay allows you to use compatible Samsung phones and Gear smartwatches to make in-store mobile payments through the use of proprietary built-in technology. It spans locations where merchants accept tap and pay because the technology works on new card readers as well as most of those that have been in place for years. Please visit Samsung Pay for a full list of compatible devices.

Android phones running Android OS version 4.4 and above support Samsung Pay on Samsung Gear smartwatches, through the Samsung Gear app. For the most up to date information on supported applications and devices, please visit Samsung Pay.

Setting your Unitus card as your default card is simple! Go to Settings, Wallet & Apple Pay and tap Default Card selection. Choose your Unitus card as your default. Note: the first card you add to Apple Pay will automatically be your default card, but you can update it at any time.

Samsung Pay works almost anywhere you can swipe or tap your card. Note that Samsung Pay does not currently work at gas station pumps where you have to insert your card, but it will work at most gas station cashier card readers. Please visit Samsung Pay for specific details regarding participating merchants.

Not yet. Currently Samsung Pay can be used for in-store payments only.

You can use Samsung Pay on your Gear smartwatch to make purchases at merchants equipped with Near Field Communication (NFC) or Magnetic Secure Transmission (MST) terminals.

Yes. For each Apple Pay enabled device (iPhone, iPad, Apple Watch and MacBook Pro with Touch ID) you can load up to eight cards. Devices do not share cards, so if you want the same card on two different devices, you will need to load the card on each device separately.

No. We offer Google Pay as a complementary service to our member cardholders.

Samsung Pay uses proprietary technology that works with both Magnetic Secure Transmission (MST) and Near Field Communication (NFC) to make contactless mobile payments. MST and NFC enable eligible Samsung devices to make transactions at most card readers where you can swipe or tap your card, excluding gas station pumps.

No. Once your smartwatch has an active card, it can be used independently of the phone for payment. Your phone is not needed to pay at the store.

Google Pay will work with most of our consumer and small business Visa® credit cards and debit cards.

Yes. When you suspend or remove your cards in Google Pay, only your device-specific device account number is suspended or removed. Your Unitus card numbers are not saved on the device, and you can continue to use your plastic cards normally, as long as you didn’t deactivate them.

The last card you made a purchase with in Samsung Pay will automatically appear as the card that would be used the next time you open the app. However, you can always swipe between all the cards you have added and select a different card before making a purchase.

No. We do not charge a fee for our members to use Samsung Pay.

Unitus Community Credit Union cards can be easily added to the Samsung Pay app by using your device’s camera to scan in your card’s information, or by manually inputting the card information yourself. If requested, follow any additional steps to verify your card.

Not yet. Currently Samsung Pay on your phone or watch can be used for in-store payments only.